Lexus GS 350 Insurance Rates

The average insurance prices for a Lexus GS 350 are $1,262 every 12 months including full coverage. Comprehensive insurance costs an estimated $270 a year, collision insurance costs $466, and liability insurance is $390. A liability-only policy costs around $438 a year, and high-risk insurance costs $2,728 or more. Teenage drivers cost the most to insure at up to $4,708 a year.

Average premium for full coverage: $1,262

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and GS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down average Lexus GS 350 insurance rates for other coverage scenarios.

• The best discount rate is $725
• Raising to $1,000 deductibles will save approximately $1,092 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,262
• Using low $100 deductibles costs an extra $320 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,728
• Policy cost to insure a teen driver can cost as much as $4,708

View Chart as Image

Car insurance rates for a Lexus GS 350 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $490 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 133% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Lexus GS 350 insurance rates. A middle-age driver might find rates as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Best Cheap Lexus GS 350 Insurance

Finding cheaper rates on Lexus GS 350 insurance consists of being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a quick review of the concepts that were covered above.

• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,470 more annually than a safer driver
• Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $392 each month if the policy includes full coverage
• You may be able to save approximately $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• You may be able to save approximately $150 per year just by quoting early and online